Agenda (Appointed) - Environmental Advisory Committee - 20250512Town of Aurora
Environmental Advisory Committee
Meeting Agenda
Date:Monday, May 12, 2025
Time:7 p.m.
Location:Holland Room, Aurora Town Hall
Meetings are available to the public in person and via live stream on the Town’s YouTube channel.
To participate, please visit aurora.ca/participation.
Pages
1.Call to Order
2.Land Acknowledgement
3.Approval of the Agenda
4.Declarations of Pecuniary Interest and General Nature Thereof
5.Receipt of the Minutes
5.1 Environmental Advisory Committee Meeting Minutes of February 24,
2025
1
That the Environmental Advisory Committee meeting minutes of
February 24, 2025, be received for information.
1.
6.Delegations
7.Matters for Consideration
7.1 Memorandum from Program Manager, Energy and Environment; Re:
Home Energy Retrofit Program Feasibility Study Update
5
(Presentation to be provided by Janice Ashworth, Senior Consultant,
Dunsky Energy and Climate Advisors)
That the memorandum regarding Home Energy Retrofit Program
Feasibility Study Update be received; and
1.
That the Environmental Advisory Committee comments
regarding Home Energy Retrofit Program Feasibility Study
Update be received and referred to staff for consideration and
2.
further action as appropriate.
8.Informational Items
9.New Business
10.Adjournment
Town of Aurora
Environmental Advisory Committee
Meeting Minutes
Date:
Time:
Location:
Monday, February 24, 2025
7:00 p.m.
Holland Room, Aurora Town Hall
Committee Members: Councillor Ron Weese (Chair)
Victor Carvalho
Shun Chen
Jason Cheng
Angela Daust
Leta Dayfoot
Alain Godin
Denis Heng
Ken Turriff (Vice Chair)
Other Attendees: Councillor Wendy Gaertner
Natalie Kehle, Analyst, Energy and Climate Change
Will Stover, Analyst, Energy and Climate Change
Ishita Soneji, Deputy Town Clerk
_____________________________________________________________________
1. Call to Order
The Chair called the meeting to order at 7:02 p.m.
Introductions were made around the table.
1.1 Appointment of Committee Vice Chair
Moved by Angela Daust
Seconded by Jason Cheng
Page 1 of 37
Environmental Advisory Committee Meeting Minutes
February 24, 2025 2
1. That Ken Turriff be appointed as Vice Chair of the Environmental
Advisory Committee for a two-year term (2025-2026).
Carried
2. Land Acknowledgement
The Committee acknowledged that the meeting took place on Anishinaabe lands,
the traditional and treaty territory of the Chippewas of Georgina Island,
recognizing the many other Nations whose presence here continues to this day,
the special relationship the Chippewas have with the lands and waters of this
territory, and that Aurora has shared responsibility for the stewardship of these
lands and waters. It was noted that Aurora is part of the treaty lands of the
Mississaugas and Chippewas, recognized through Treaty #13 and the Williams
Treaties of 1923.
3. Approval of the Agenda
Moved by Alain Godin
Seconded by Leta Dayfoot
That the agenda as circulated by Legislative Services be approved.
Carried
4. Declarations of Pecuniary Interest and General Nature Thereof
There were no declarations of pecuniary interest under the Municipal Conflict of
Interest Act, R.S.O. 1990, c. M.50.
5. Receipt of the Minutes
5.1 Environmental Advisory Committee Meeting Minutes of December 16, 2024
Moved by Ken Turriff
Seconded by Angela Daust
1. That the Environmental Advisory Committee Meeting Minutes of
December 16, 2024, be received for information.
Carried
Page 2 of 37
Environmental Advisory Committee Meeting Minutes
February 24, 2025 3
6. Delegations
None.
7. Matters for Consideration
7.1 Memorandum from Program Manager, Energy and Environment; Re: Project
Introduction to the Home Energy Retrofit Loan Program Project
Janice Ashworth, Senior Consultant, Dunsky Energy and Climate Advisors
provided a presentation regarding the Home Energy Retrofit Loan Program
for Aurora including background information on the current Town
initiatives, the objective of the program, current market barriers, proposed
financing options for consideration, stakeholder engagement efforts, and
the next steps and timelines.
The Committee discussed and provided suggestions on various aspects
of the program including: (1) target audience and accessibility of the
program to diverse and representative segment of homeowners; (2)
community engagement and awareness including means to inform
residents through different avenues besides social media and involvement
of alternate stakeholders such as real estate agents and financial
advisors; (3) program design and prioritization such as focus on pre-1980
homes; (4) integration with existing programs to align municipal efforts
with existing initiatives; and (5) legal and policy considerations.
There was further discussion regarding the importance of return on
investment for homeowners to ensure the suggested energy retrofits are
financially viable, the need for green building incentives for new
construction projects and using similar size municipalities as
comparators in the study. The Committee expressed concerns and sought
further clarification on the Town's liability in recommending the noted
financing options.
It was noted that the Committee's feedback would be incorporated into
refining the study and be brought back to a future meeting for further
input.
Moved by Leta Dayfoot
Seconded by Ken Turriff
Page 3 of 37
Environmental Advisory Committee Meeting Minutes
February 24, 2025 4
1. That the memorandum regarding Project Introduction to the Home
Energy Retrofit Loan Program Project be received; and
2. That the Environmental Advisory Committee comments regarding
Project Introduction to the Home Energy Retrofit Loan Program
Project be received and referred to staff for consideration and
further action as appropriate.
Carried
8. Informational Items
None.
9. New Business
None.
10. Adjournment
Moved by Ken Turriff
Seconded by Jason Cheng
That the meeting be adjourned at 8:44 p.m.
Carried
Page 4 of 37
100 John West Way
Aurora, Ontario
L4G 6J1
(905) 727-3123
aurora.ca
Town of Aurora
Memorandum
Planning and Development Services
Re: Home Energy Retrofit Program Feasibility Study Update
To: Environmental Advisory Committee
From: Natalie Kehle, Program Manager Energy and Environment
Date: May 12, 2025
Recommendation
1. That the memorandum regarding Home Energy Retrofit Program Feasibility Study
Update be received; and
2. That the Environmental Advisory Committee comments regarding Home Energy
Retrofit Program Feasibility Study Update be received and referred to staff for
consideration and further action as appropriate.
Background
Addressing greenhouse gas emissions from Aurora’s residential building sector was
identified as a critical emissions strategy in the Aurora Community Energy Plan (CEP).
Emissions from homes represent the biggest source of emissions at 37%, primarily due
to natural gas use for space and water heating.
Currently, around 1% of Aurora homes are, on average, completing energy retrofits
annually, based on 2023 to 2024 EnerGuide data. To meet Town 2050 targets of 80%
greenhouse gas reduction from 2018, approximately 3% of homes each year are
required to perform deep retrofits that achieve a substantial reduction in energy usage,
typically by 50% or more. Deep energy retrofits have been historically difficult to achieve
due to social and economic barriers. The upfront costs of renovations are a major
barrier to action.
Analysis
The feasibility study aims to assess the market conditions, co-benefits, financial options
and services available to the community and determine if a volunteer deep energy
Page 5 of 37
Home Energy Retrofit Program Feasibility Study Update
May 12, 2025 Page 2 of 3
retrofit program is the right fit for Aurora. The study also explores financing options for
a loan program. The Federation of Canadian Municipalities (FCM) Green Municipal Fund
(GMF) is supporting this project through their Community Efficiency Financing (CEF)
grant.
The Town retained the consulting services of Dunsky Energy and Climate Advisors to
support the development of the study. The project kicked-off in December 2024 with the
study completion date planned for June 2025. The project consists of the following
elements:
1. Stakeholder Engagement (completed), which included identifying relevant
stakeholders and seeking input throughout the project, including from:
Town staff from the following teams:
o Engineering and Capital Delivery
o Finance
o Building
o Planning
o IT Services - GIS
o Community Services - Sports and Recreation (Diversity Equity and
Inclusion)
o Community Services- Seniors Centre
Town Environmental Advisory Committee
External stakeholders including:
o York Region staff
o Other local municipalities
o Enbridge Gas
o Alectra Utilities
o Aurora residents
o Aurora’s Senior Centre
o Building Industry and Land Development Association – BILD
o Local financial institutions
2. Project Background (completed), which assembled relevant information to
assess a home energy retrofit program, financing options and community
benefits.
3. Program Approach (completed), with an understanding of Aurora’s context, this
stage of the project recommends how to proceed with a detailed program design
for a local efficiency program, as well as identify financing models best suited for
Aurora.
4. Final Report and Presentation (in- progress). The draft study is presented to
Town Council, scheduled for June 10th Committee of the Whole.
Page 6 of 37
Home Energy Retrofit Program Feasibility Study Update
May 12, 2025 Page 3 of 3
A second phase of the project is provisionally planned to develop a detailed program
design and implementation plan upon Council endorsement of the feasibility study.
The second phase of the project identifies potential program champions, cost
implications and roles and responsibilities.
Attachments
1. Attachment 1 - Presentation Home Energy Retrofit Program Feasibility Study Update
Page 7 of 37
Aurora Home Energy Retrofit Loan Program Feasibility StudyUpdate for the EAC May 2025Page 8 of 37
1.Give and update on the Feasibility Study2.Discussthe recommendations and seek input on the study report3.Inform next steps on the remaining budget for the studyToday’s objectivesIntroductionHome Energy Retrofit Loan ProgramA program to increase the rate and depth of energy and emissions reductions through retrofits of low-rise homes. The program aims to fill gaps ofexisting programs and meet needs of Aurora residents.Page 9 of 37
Why are Home Energy Upgrades a Priority?IntroductionHowever, there is currently minimal home energy retrofit activity.Currently, around 1% of Aurora homes are, on average, completing energy retrofits annually, based on EnerGuide data between 2023 - 2024. Retrofits need to be4% annually and GHG focused to meet targets (~800 units/yr)The scale of home energy upgrades needed to meet Aurora’s 80% emissions target is significant.Although Aurora’s housing stock is relatively new –with most of the low-rise homes constructed after 1980 –homes still account for 37% of all emissions in the community, primarily due to natural gas use for space and water heating. THE OPPORTUNITYgy upgradYMain barriers reported by homeowners are knowledge of solutions and upfront costs.THE CHALLENGEPage 10 of 37
Agenda1 Introduction 19:00 – 19:052 Local Context 19:05 – 19:203 Program Model Options & Discussion 19:20 – 19:554 Next steps 19:55 – 20:00Page 11 of 37
Dwelling Types and AgesLocal ContextSingle Family Detached67%Mid to High-rise Dwellings12%Other Low-rise Dwellings 21%8%6%5%19%19%20%18%4%0%10%20%30%40%50%60%70%80%90%100%050010001500200025003000350040001959orbefore1960 -19691970 -19791980 -19891990 -19992000 -20092010 -20192020 -2024Percentage of homesNumber of homesYear BuiltMost homes are low-rise, detached, >1980Page 12 of 37
Energy Use in HomesLocal ContextMost energy (and emissions) in homes is from space & water heating with natural gas.Space heating…Water heating18%Appliances13%Lighting4%Space cooling5%Natural gas67%Electricity21%Wood8%Other4%Page 13 of 37
Homeowner Age, Income, Tenure, and NationalityLocal ContextMost homes are owner-occupied by owners 35-64 yrs old with above-average incomes.01,0002,0003,0004,0005,0006,000 15 to24years 25 to34years 35 to44years 45 to54years 55 to64years 65 to74years 75 to84years 85yearsandover3,2505,5354,7757,94501,0002,0003,0004,0005,0006,0007,0008,0009,000Under$50,000$50,000 to$99,999$100,000 to149,999$150,000 andover81%19%0% 20% 40% 60% 80% 100%ownerrenterPage 14 of 37
Older Neighbourhoods and those at Risk of Energy PovertyLocal ContextSome neighbourhoods have older homes and others are at higher risk of energy poverty. Promenade CIP area and heritage designationsRisk of energy povertyPage 15 of 37
Retrofit Measures for Mitigation and AdaptationContextIncrease in average precipitation, heavy precipitation, and floodingHigher average temperatures and extreme heatIncreased occurrences of severe weather, including strong wind gusts and lightning impactsPage 16 of 37
Financing Tied to property: The LIC mechanism gives Ontario municipalities the ability to implement financing for energy efficiency and renewable energy that is tied to a property and can be amortized over a long repayment term (e.g. 20 years). This can help make retrofits cashflow positive and enable homeowners take a long-term view with their planned home energy upgrades.Bylaws: Municipalities can implement bylaws regarding building emissions such as building labeling and performance/emissions standards. Note, Ontario municipalities do not have the ability to regulate equipment performance standards. Connections and Reputation: Municipalities are trusted by homeowners. They interact with their residents daily through services like libraries, recreation facilities, transit, waste collection, water and sewer provision. Residents are more likely to see and trust the messages coming from their municipality than from many other entities. Unique Role of MunicipalitiesContextPage 17 of 37
Known Market Barriers and SolutionsContextConfusion navigating many programs in market•One stop shop online platform•Energy coach hotline. Narrow participant eligibility criteria•Loan program eligible to all homeowners in Aurora including landlords•One stop shop platform and energy coaches to help navigate eligibility.Inadequate support for most effective retrofit measures. •Design a program to avoid dead-end pathways.•Work with suppliers to find ways to reduce cost of heat pumps or electric hot water tanks. Only available to those with access to credit.•Offer loans tied to property and use property tax payment history as underwriting criteria. Limited measures•Include adjacent work that may be required to complete retrofits such as electrical or structural work•Include climate resiliency measures.Meadowcroft, et al. 2019. ‘Transition Accelerator.’Page 18 of 37
Barriers through an Equity LensContextInability to access information online• Energy coach phone lineInability to understand information in English• Translate materialsLimited time to implement retrofits• Tailored retrofit pathways• Energy coach to supportLack of trust in, or confidence negotiating with, contractors• List of qualified contractors• Contractor engagement and training •Energy coach Limited access to credit• Loan tied to property, not individual, using LIC mechanism• Use property tax payment history as eligibility screeningPage 19 of 37
Learnings from stakeholder engagementContextMotivations:Saving money, improve comfort, and reduce environmental footprint.Barriers: Upfront cost, unaware of current incentive programs, and lacking certainty of energy savings. Preferred features of a financing program: No early repayment penalties, easy application/approval process, and low monthly payments (so energy savings cover loan repayment)Take Aways: An education campaign, online navigation platform and retrofit scenario tool, and/or energy coaching services would all help Aurora homeowners take more advantage of existing incentive and loan programs and have more confidence in the retrofit solutions. ضضHomeowner SurveyضPage 20 of 37
Learnings from stakeholder engagementContextYork Region:Has applied with Windfall Ecology Centre for funding to launch the York Greener Homes Program, an online navigation and retrofit scenario tool which may include energy coaching also. Expect to know this Spring. Would be for 3 years. Newmarket: Applying for funds from FCM to launch loan program using the LIC mechanism delivered by a 3rdparty – Enerva. If successful, funds would cover the first 4 years. Focus on converting furnaces to heat pumps, weatherization, and smart thermostats (optimizing GHG reduction). Vaughan, Georgina, and Markham also working on home energy programs, though not as advanced, and interested in collaborating. Alectra: Unable to offer on bill repayment but can help with outreach. They have applied to NRCan for funding to build an online platform based on disaggregation of smart meter data to help residential customers with energy affordability and peak shaving. It may include emissions calculations also.Enbridge: In January, they launched Home Renovation Savings Program, which offers grants to homeowners for energy upgrades. Another attic insulation program is pending. They also offer grants to municipalities and courses for homeowners and Town building permit staff. External StakeholdersxternalEgTpPage 21 of 37
Learnings from stakeholder engagementContextSeniors Centre:Seniors are interested in reducing emissions but not aware homes are a major source. Centre could help with outreach. Seniors need cashflow neutral financing and a trusted advisor. Contractor Association: Access to contractors in Aurora is not a limitation. 30-40% of BILD renovator members are trained on Net Zero techniques and more courses are planned. Town could promote those with certifications and encourage them to promote the program. Environmental Advisory Committee: Suggested the program should not replicate existing ones. Agreed that a neutral advisor service would be helpful. Suggested targeting old homes but ensuring all homes can benefit. Supported using policies to drive more efficient new homes. External Stakeholders - continuedPage 22 of 37
Learnings from stakeholder engagementContextInternal Review Committee Meeting #1:Complement existing programs, not replicate. Focus on older homes. Be realistic to Town’s capacities. Town has never done an LIC and requires approval from Region to borrow funds.Revenue Collections: Running an LIC loan program would require a lot of manual entries. Reviewing payment history would also take time and require more staff. Equity Staff:DEI efforts focused on newcomers, seniors, and gender equity communities. Seniors are most likely to own homes. Library is a good channel to reach these communities. Building Permit Department: Not aware of much energy retrofitting happening to date. They can talk to contractors/homeowners about code requirements. Town StakeholdersضضضضضPage 23 of 37
Provincial Retrofit ProgramsLocal ContextAvailable programs Description Funding gapOntario ProgramsHome Renovation Savings Program | Save on Energy and Enbridge xEligible measures include space and water heat pumps, smart thermostats, solar PV and battery storage, insulation, air sealing, and energy efficient windows and doors xCertain rebates are only offered to projects that include two or more upgradesxEnergy Assessments required for two or more measuresxDoes not provide funding for climate adaptation measuresEnbridge Sustain | EnbridgexOffers an energy-as-a-service solution with the turnkey installation, service and maintenance of selected measuresxEligible measures include geothermal, dual fuel systems (air source heat pump and natural gas furnace), solar PV & EV chargersxLimited list of eligible measuresxDoes not support full electrificationWinterproofing Program | EnbridgexOffers income eligible homeowners and renters access to a home energy assessment and the installation of energy efficient measures at no costxEligible measures include wall, attic and basement insulation; draft proofing; and smart thermostatsxCoordinates with the Energy Affordability Program (below) so selected measures across the two programs can installed at the same timexOnly available to Enbridge Gas customers who use natural gas for home space heatingxUnavailable to many income groupsxLimited list of eligible measuresEnergy Affordability Program | Save on Energy xOffers energy-saving products and services at no or low cost, depending on a household’s circumstances and incomexEligible costs the program covers may include the replacement of inefficient appliances and the installation of insulation and draft-proofing, smart thermostats, cold climate heat pump and free energy saving kitsxEnerGuide Assessments are requiredxSome measures only support homes already heated with electricity (e.g. insulation, draft-proofing, smart thermostats, cold climate heat pumps)xUnavailable to many income groupsPage 24 of 37
Federal ProgramsOil to Heat Pump Affordability Program | Natural Resources CanadaxOffers a heat pump incentive of up to $10,000 to LMI homeowners with oil as their primary heating fuelxRecent changes have expanded the list of eligible heat pumps and increased income eligibility to account for inflationxIncentive is disbursed prior to installationxRequires proof of purchasing heating oil (500L)xNarrow focus on oil-heated homes, which are a very small percent of Aurora’s homeowner-occupied homesxUnavailable to many income groupsCanada Greener Homes Loans | Canada Mortgage Housing CorporationxOffers interest-free 10-year loans for home energy upgrades, ranging from $5,000 to $40,000xEligible measures include insulation, air-sealing, windows and doors, thermostats, space and water heating, solar PV, and certain resiliency measures (e.g. basement wall waterproofing), xLoan term does not align with useful life of many measures xReported significant delays to receiving final disbursement, thus requited bridge financingxRequires good creditxLimited advance disbursement (up to 15% of total loan)xNo ability to increase the loan amount if the final costs exceed the initial estimateCanada Secondary Suite Loan Program | Canada Mortgage Housing CorporationxOffers loans up to $80,000 to add secondary suites to existing homes, with low interest rates (2%) and 15-year loan termsxProgram planned to launch in 2025xDetails to come in coming monthsFederal Retrofit Support ProgramsLocal ContextPage 25 of 37
Market Transformation Curve to Understand Market GapsContext*Note, it is easier to sell regulations if the "carrots" (Stages 1-3) are in placePage 26 of 37
Review of Existing Programs and Market GapsContextON Home Renovation Savings ProgramCanada Greener Homes Loan Toronto HELP*Proposed: York Region Greener Homes ProgramEducation &Outreach(Public awareness)Pro: Home rating and retrofit scenariosGap: Energy coaching will be for a fee for those who can affordCapacity Building (Training for skilled labour)Pro: Increases labour qualityGap: Does not address contractor quantityIncentives (Grants or low-cost loans)Pro: Offers grantsGap: Does not include resiliencePro: Offers 0% loans up to $40,000Gap: Requires good credit. Uncertain future. Hard to access. Regulations (Home ratings or emissions standards)Gap: Home ratings will not be publicPage 27 of 37
Example retrofits and their potential impact:Potential home retrofit options and impactContextGas-heated homeretrofit with:Insulation (ceiling, basement wall, windows)Gas-heated homeretrofit with:Heat pump, water heater, solar (all electric)Gas-heated homeretrofit with:Heat pump, water heater, all insulation measures, solar (all electric+)Upfront cost$12,700 $33,601 $60,028Incentives$3,080 $6,300 $12,180Cost remaining to be financed$9,620 $27,301 $47,848Annual energysavings (%) 5% 62% 71%Annual GHGreductions (%)6% 92% 94%Preliminary modelling shows that out of 13,160 eligible homes, program participation could range from 24 to 85 homes per year on average. Retrofit intensityPage 28 of 37
Agenda1 Introduction 19:00 – 19:052 Local Context 19:05 – 19:203 Program Model Options & Discussion19:20 – 19:554 Next steps 19:55 – 20:00Page 29 of 37
Program Model Key Features1. Market-Support ProgramFocus on education and awareness and exclude a loan component. Support Aurora residents to implement retrofits using programs already in market. A. Turnkey Loan Program with grant fundingA third-party delivery agent is secured to offer turnkey program delivery services. Collaborate with York Region or a nearby Town for economies of scale and to reduce homeowner confusion. Secure FCM funding to offer a lower cost of capital and a grant to fund a loan loss reserve as well as market support elements of the program.Requires innovation features to enhance program success and funding competitiveness.B. Turnkey Loan Program without grant fundingSame as above however, to replace FCM funding, the loan capital is borrowed from the private sector and the market support elements are done on a minimal budget.C. Targeted Loan Program with grant fundingOffer loans to just a segment of the population such as LMI households, newcomers, seniors, oil heating, those achieving net zero, those needing bridge financing, etc. The program would be smaller and delivered in house. Recommended Program ModelsProgram model optionsPage 30 of 37
Recommended Market Support ElementsProgram model optionsWhich of these components seem most important to you?Page 31 of 37
To secure funds from FCM, the program design needs to demonstrate innovation. Some options to consider would be, in order of most to least innovative:1. Pilot a Turnkey delivery model in Ontario: First of a kind in Ontario and paves the way for commercial loan programs and possibly new construction projects2. Home ratings and virtual audits: Provide all homes in Aurora with a home energy rating on a public map and provide homeowners with a free virtual home energy audit3. Energy requirements in heritage initiatives: Incorporate energy and emissions considerations, or green strings, in heritage initiatives to focus efforts on older homesInnovative Elements for ConsiderationProgram model optionsWhich of these elements are most appropriate for Aurora?Page 32 of 37
Projected Program ImpactProgram model options5% to 70%energy savings for participantsUp to 0.4%of Aurora’s 2050 GHG target24 to 85home retrofit projects supported annually…and infrastructure in place to support further actionPage 33 of 37
Do you think a loan component is critical for the Town to deliver?Cost of Delivering a Home Energy Retrofit ProgramProgram model optionsUptake ScenarioCapital budget –Homeowner loans Operating budget –Loan administrationOperating budget -Market support 1. Market-Support Program$0 $0 $350k - $2.2 MA. Turnkey Loan Program with grant funding$3 - $4.5 M $1.5 - $2M $350k - $2.2 MB. Turnkey Loan Program without grant funding$1 - $2 M $300k - $600k $350k - $2.2 MC. Targeted Loan Program with grant funding (bridge, LMI, newcomers, seniors, oil, net zero)$300k - $1M $300k - $500k $350k - $2.2 MPage 34 of 37
Agenda1 Introduction 19:00 – 19:052 Local Context 19:05 – 19:203 Program Model Options & Discussion 19:20 – 19:554 Next steps 19:55 – 20:00Page 35 of 37
Advancing the program design studyNext StepsThe Feasibility StudySupported by FCM grant. Assesses the feasibility of a home energy retrofit financing study.Program Design StudyPending approval from Council and FCM, we can continue with the Program Design Study to meet local needs. Funding the ProgramThe main funder of home retrofit loan programs is FCM, which has a hard deadline of Sept 1. Other funding sources and approaches may be possible if FCM funding is not accessible or if a program that does not include financing is desired. Feasibility studyMay 2025Program design studyJuly - Sept 2025Present to EAC and CouncilMay & June 2025Present to EAC and CouncilOct – Nov 2025Page 36 of 37
ContactJanice AshworthSenior Consultantjanice.ashworth@dunsky.comTel: 514-504-9030 x4283Page 37 of 37